Financial Highlights

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Period Ended	2019 FQ1 YTD 3/31/2019	2018 FY 12/31/2018	2017 FY 12/31/2017	2016 FY 12/31/2016	2015 FY 12/31/2015
Balance Sheet ($000)
Total Assets	2,277,702	2,138,954	1,525,857	1,377,263	1,315,041
Total Net Loans	1,560,815	1,549,653	1,153,724	1,044,469	989,864
Total Deposits	1,765,801	1,579,893	1,204,923	1,121,103	1,052,033
Equity Attributable to Parent Company	312,057	298,898	184,461	137,616	125,173
Total Equity	312,057	298,898	184,461	137,616	125,173
Profitability (%)
Net Income($000)	9,669	14,139	15,872	17,217	12,745
Net Income Attributable to Parent($000)	9,669	14,139	15,872	17,217	12,745
ROAA	1.70	0.81	1.04	1.19	0.95
Core ROAA	1.73	1.42	1.10	1.22	1.01
ROAE	12.82	6.50	9.19	12.90	10.59
ROATCE	18.32	8.18	11.68	19.17	16.63
Core ROAE	13.07	11.41	9.70	13.23	11.19
Net Interest Margin	4.38	4.15	3.88	3.91	3.94
Reported: Net Interest Margin	4.45	4.21	4.01	3.93	3.96
Efficiency Ratio	57.18	63.33	67.77	63.83	66.61
Noninterest Inc/ Operating Rev	22.42	21.87	23.08	24.10	22.93
Balance Sheet Ratios (%)
Loans/ Deposits	89.09	98.86	96.66	94.15	95.20
Securities/ Assets	16.52	17.36	16.18	15.38	16.10
Total Equity/ Total Assets	13.70	13.97	12.09	9.99	9.52
Tangible Equity/ Tangible Assets	10.38	10.43	10.47	8.11	7.48
Tang Common Equity/ Tang Assets	9.96	9.98	9.31	6.70	5.75
Asset Quality (%)
NPAs/ Assets	0.38	0.42	0.59	0.81	0.96
NPA Excl Restructured/ Assets	0.22	0.27	0.40	0.51	0.71
NPAs & 90+ PD/ Assets	0.38	0.42	0.59	0.81	0.96
NPAs/ Loans & REO	0.55	0.57	0.77	1.06	1.26
Nonaccrual & 90+ & OREO/ Assets	0.22	0.27	0.40	0.51	0.71
NPAs & 90+ PD/ Loans & REO	0.55	0.57	0.78	1.06	1.26
NPA & Loans 90+/ Tangible Common Equity + LLR	3.71	4.07	5.93	10.76	14.34
NCOs/ Avg Loans	(0.04)	0.02	0.02	(0.02)	0.11
Loan Loss Reserves/ Gross Loans	0.88	0.87	1.13	1.26	1.43
Reserves/ NPAs	160.55	153.82	145.35	119.22	113.36
Loan Loss Provision/ NCO	NM	331.91	0	NM	108.40
Capital Adequacy
Tier 1 Common Capital (CET1)($000)	216,442	208,061	140,853	93,463	75,819
Tier 1 Capital($000)	255,233	246,852	187,638	141,840	127,519
Tier 2 Capital($000)	13,822	13,679	13,134	13,305	12,569
Total Capital($000)	269,055	260,531	200,772	155,145	140,088
Total Risk-weighted Assets($000)	1,632,244	1,616,090	1,212,810	1,092,952	1,004,225
Tier 1 Common Capital (CET1) Ratio(%)	13.26	12.87	11.61	8.55	7.55
Tier 1 Ratio(%)	15.64	15.30	15.45	12.98	12.70
Total Capital Ratio(%)	16.48	16.15	16.53	14.20	13.96
Liquidity Coverage Ratio(%)	NA	NA	NA	NA	NA
Leverage Ratio(%)	11.64	12.22	12.69	10.55	9.96
Basel III Leverage Ratio(%)	NA	NA	NA	NA	NA
Per Share Information ($)
Common Shares Outstanding(actual)	15,624,113	15,603,499	10,198,475	8,343,509	7,843,578
Avg Diluted Shares(actual)	16,901,830	13,855,707	12,352,616	10,950,961	10,918,335
Basic Book Value per Share	19.37	18.56	16.39	14.22	13.12
Book Value per Share, As Reported	19.37	18.56	16.39	14.22	13.12
Basic Tangible Book Value per Share	13.98	13.14	13.68	10.84	9.43
Tangible Book Value per Share, As Reported	13.98	13.14	13.68	10.84	9.43
Common Dividends Declared per Share	0.09	0.32	0.25	0.22	0.20
EPS after Extra	0.57	1.02	1.28	1.57	1.17
EPS after Extra Growth(%)	3.60	(20.30)	(18.50)	34.20	37.60
Core EPS	0.58	1.79	1.35	1.61	1.24
Core EPS Growth(%)	5.70	32.40	(16.10)	30.30	39
Diluted EPS before Amortization	0.58	1.05	1.33	1.63	1.24
Pre-Provision Earnings per Share	0.54	1.75	1.16	1.33	1.14

Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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